Handling fee: 0.80%

Cross-border fees:

USD area consumption: Pass through (according to Visa/card issuer rules)

Consumption in non-USD areas: Pass through (according to Visa/card issuer rules)

All-in cost guide: about 1% for USD spending and about 1.8%–2.2% for non-USD spending (including the 0.80% fee and the USDT conversion difference; online spending follows this, offline spending has a similar structure), subject to actual rates.

ATM cash withdrawal fee: 2% (minimum $1) (For details, see "How much is the handling fee for withdrawing money (cash) from an ATM with a physical card?")

Card opening fee: 100 USDT

Shipping fees: please follow what the application page in the MPChat App shows.

Monthly/yearly management fee: 0 (no monthly rent, annual fee, management fee)

Recharge fee: 0

Refund fee: 0 (no fees for refunds)

Chargeback: 0.80 USD/transaction (first 5 free per account per month)

Card cancellation fee: 3 USDT (cancellation and liquidation)

First-time recharge threshold: After opening the card, you need to transfer enough USD from Pay to the card (it is recommended to cover the card opening fee + first consumption/subscription amount + handling fee buffer)

⚠️ Transfer the reserved balance: The card balance must be transferred back to Pay before you can withdraw cash; when transferring out, please refer to the "Transferable Balance" on the card details page. Insufficient balance will only cause the transaction to fail/reject payment, but will not cause the card to be frozen.

⚠️Consumption limit (shares the same set of standards with Cloud Card): single transaction $100,000; no transaction-count limit / daily cumulative $250,000; monthly cumulative $1,000,000; annual cumulative $2,000,000

⚠️ ATM cash withdrawal limit (only supported by Boundless Card): single transaction $1,500; daily accumulation of $1,500, with a maximum of 5 transactions per day; monthly accumulation of $15,000 (for details, please see "What are the cash withdrawal limits and transaction restrictions of physical cards (Boundless Card)?")

The above is the product upper limit. Your actual available limit is subject to the display in the app, and may be dynamically tightened based on transaction conditions due to risk control.

⚠️ Freeze / unfreeze: only two cases freeze a card — you freeze it yourself in the App (self-service unfreeze anytime); or the issuer freezes it after 3 wrong CVV entries within 24 hours (contact official support; support sends a letter to the issuer to request unfreeze).

Card cancellation has two paths: user-initiated cancellation in the App (3 USDT clearing fee), and forced cancellation for unpaid Account Verification Authorization Fees (Transaction Verification Fees) plus Declined Transaction Fees. Only unpaid debt from these two fee types counts: a warning is issued at 8 USDT and forced, irreversible cancellation occurs at 10 USDT. A low balance alone or other unpaid fees does not trigger this rule. After forced cancellation, remaining principal returns to the wallet; a new Cloud Card can be opened for 10 USDT.

Activate only after the physical card arrives. Before that you cannot move funds or spend; after activation the card works online and offline, still subject to the region limits above. Activation uses the email code and a 6-digit PIN. Reset PIN only after activation, with your passkey, and it does not start the 24-hour funds limit.

Offline/large-value purchases that require a physical VISA card

ATM cash withdrawal

Apple Pay, Apple ID / App Store payments (Cloud Card and Boundless Card supported)

Travel, cross-border offline payment

The physical card (Boundless Card) is open for applications starting with MPChat App version 2.3.0.

Application entry, application steps, card production and shipping arrangements, shipping time and shipping fees: please follow what the application page in the MPChat App shows.

Shipping time: We cannot promise specific dates for approval, card production, dispatch or arrival. Please follow the status shown in the MPChat App and official notices.

MP does not ship the Boundless physical card directly to mainland China. Other countries and regions are supported. Follow the application page in the MPChat App for the delivery address details and shipping arrangements. Details: Boundless Physical Card: Shipping and Forwarding.

Mainland China currently supports neither POS payments nor ATM withdrawals; Singapore supports POS payments but not ATM withdrawals. KYC for Mainland China is open, but the Boundless physical card cannot be shipped directly to mainland China. Customers can arrange forwarding or third-party receipt to mainland China themselves. See Boundless Physical Card: Shipping and Forwarding.

For details, please refer to the "Instructions for Application for Boundless Card Physical Card" (see "Instructions for Application, Mailing and Activation of Boundless Card Physical Card" in this series).

ATM Cash Withdrawal Limits and Transaction Restrictions for the Physical Boundless Card

ATM Cash Withdrawal Fees for Physical Cards

Cloud Card Intro: Fees, Rules & Best Uses

Restricted Merchant & Transaction Policy